2346 Independence Ave, Waterloo (Evansdale), IA 50707 Property Records

Black Hawk County property record for 2346 Independence Ave, Waterloo, IA 50707

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 771 sqft · built 1920
Lot Size	1.17 acres (51,348 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (Nov 2008)
Tax Bill	$2,146 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Jun 2019 Refinance + 1 more
Flood Zone	Zone AE (high risk)
APN	`8912-29-126-010`

Property Details

APN / Parcel Number

Primary APN	`8912-29-126-010`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	771 sqft Living Area
1st Floor Area	624 sqft
Basement Area	771 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	51,348 sqft (1.17 acres)
Lot Dimensions	389 ft deep x 132 ft wide
Garage Type	Detached
Garage Area	936 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	112 sqft
Patio Area	60 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	2346 INDEPENDENCE AVE
City	EVANSDALE
State	IA
Zip	50707-2620
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNPLATTED WLOO EAST W 2 A E 3 A NW NE NW SEC 29 T 89 R 12 EXC THAT PT LYING S OF A LINE DRAWN FROM A PT ON E LINE SAID W 2 A
Legal Range	12W
Legal Township	89N
Legal Section	29
Legal Subdivision	UNPLATTED WLOO EAST
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3003
Census Tract	800

Owner

Source: Black Hawk County records, as of September 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	2346 INDEPENDENCE AVE, EVANSDALE, IA 50707-2620
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage DUPACO COMMUNITY CU
Jun 11, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DUPACO COMMUNITY CREDIT UNION
May 3, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DUPACO COMMUNITY CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2008 · Amount on Record
Deed Sale	Nov 19, 2008 · Amount on Record
Prior Sale	Feb 7, 2008 · Amount on Record
Deed Document Number	20082009010075
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2346 INDEPENDENCE AVE, WATERLOO, IA 50707-2620
Transaction Type	Mortgage
Record Updated	Jul 10, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000015664
Date	Mar 12, 2020
Instrument	202000015664

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union
Address	DUBUQUE, IA 52002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	170 Months
Due	May 1, 2034

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2346 INDEPENDENCE AVE, WATERLOO, IA 50707-2620
Transaction Type	Mortgage
Record Updated	Jul 3, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900018628
Date	Jun 11, 2019
Instrument	201900018628

Lender

Name	DUPACO COMMUNITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	2346 INDEPENDENCE AVE, WATERLOO, IA 50707-2620
Transaction Type	Mortgage
Record Updated	Jun 5, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900016362
Date	May 3, 2019
Instrument	201900016362

Lender

Name	DUPACO COMMUNITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2034

Tax Assessment & Valuation

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Black Hawk County
Municipality	Waterloo City
Unified School District	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,146.00 (-1.65%) Homeowner's exemption	$116,040 (+4.74%) Land $26,400 Building $89,640	$116,040 (+4.74%) Land $26,400 Building $89,640
2024	$2,182.00 (+20.82%)
2023		$110,790 (+21.64%) Land $26,400 Building $84,390	$110,790 (+21.64%) Land $26,400 Building $84,390
2022	$1,806.00 Homeowner's exemption	$91,080 Land $26,400 Building $64,680
2021			$91,080 Land $26,400 Building $64,680

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	3 in force
Nearby Flood Claims	6 (1993–2018)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Oct 2018 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, Aug 1993 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 71% of Iowa
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERLOO WATER WORKS serves 69,504 people · EPA ID IA0790074
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Waterloo Fiber Fiber	10,000 / 10,000
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: GigFire.

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